The interest rates on each card was over 21% and my credit limits were maxed out. My payments were always made on time and consistently paid more than the minimums. I asked each bank to lower my APR and both refused. They knew they had me. I chose to close my accounts to ensure no more spending of available credit. Six months after closing each account, I called and asked to lower my APR again. They each explained they are unable to alter the APR, etc as the accounts are closed. I still make payments on time and pay more than the minimums but I am not getting anywhere. Any suggestions, other than more loans, bankruptcy or a third party handling my finances?